Call reports 2008
WESTERN COMMERCE BANK — 2008
What WESTERN COMMERCE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 286,681,000 | 293,531,000 | 295,051,000 | 302,141,000 |
| Total loans | 134,644,000 | 140,486,000 | 148,186,000 | 158,005,000 |
| Allowance for loan losses | 2,195,000 | 2,180,000 | 2,248,000 | 2,228,000 |
| Securities available for sale | 5,944,000 | 5,828,000 | 5,810,000 | 5,816,000 |
| Securities held to maturity | 72,456,000 | 71,198,000 | 73,571,000 | 67,867,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 240,836,000 | 247,382,000 | 248,028,000 | 251,400,000 |
| Interest-bearing deposits | 163,648,000 | 170,869,000 | 175,813,000 | 170,387,000 |
| Noninterest-bearing deposits | 77,188,000 | 76,513,000 | 72,215,000 | 81,014,000 |
| Equity capital | 29,162,000 | 29,748,000 | 30,862,000 | 27,674,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 4,337,000 | 8,683,000 | 13,013,000 | 17,445,000 |
| Interest expense | 1,123,000 | 2,106,000 | 3,010,000 | 3,848,000 |
| Net interest income | 3,214,000 | 6,577,000 | 10,003,000 | 13,597,000 |
| Noninterest income | 552,000 | 1,243,000 | 1,807,000 | 2,497,000 |
| Noninterest expense | 2,111,000 | 4,131,000 | 6,268,000 | 8,593,000 |
| Provision for loan losses | 37,000 | 67,000 | 97,000 | 127,000 |
| Pretax income | 1,618,000 | 3,622,000 | 5,445,000 | 7,374,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,618,000 | 3,622,000 | 5,445,000 | 7,374,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,160,000 | 29,748,000 | 30,866,000 | 27,680,000 |
| Total capital | 31,195,000 | 31,865,000 | 33,051,000 | 29,908,000 |
| Risk-weighted assets | 162,638,000 | 169,322,000 | 174,761,000 | 183,437,000 |
Machine access — free, no API key
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